With the help of a new savings calculator at http://www.investoreducation.org/, the Alliance for Investor Education's website, you can demonstrate, for example, how a person could save over $4,700 if he or she invested $75 for retirement rather than spending that amount on a new video game.

One informative and lively website for parents is http://www.makingallowances.com/, created by Paul W. Lermitte, author of Allowances: Dollars and Sense, A Proven System for Teaching Your Kids About Money. For advice features and budgeting forms that track cash flow and purchase plans, teenagers can visit a special area called "Teenzone." The website also includes a "Kidzone," which offers material suitable for 8- to 11-year olds.

The National Endowment for Financial Education (NEFE) offers a free 7-unit course entitled High School Financial Planning Program. Information can be requested by visiting http://www.nefe.org/.